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You can use PayPal,2checkout,propay or find a merchant account to accept credit cards.

To accept Visa, MasterCard,Discover,AmericanExpress, you'll need to apply for a merchant account at one of the various online merchant account companies (there are lots of them in a google search). I would look for one that uses the authorizenet gateway, since it seems to be the most supported gateway.

Here's a link to the Merchant Account category at t-shirtlinks that has a few companies listed:
http://www.t-shirtlinks.com/?id_category=67
 

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I think PayPal can and does work fine for many t-shirt sellers just starting out. Once the money is in your PayPal account it can be easily transferred to your bank account.

I've been using PayPal for probably close to 7 years and haven't had any problems. I would actually recommend that even if you have a regular merchant account (which is a good idea to get anyway), that you still offer PayPal as a method of payment, since there are people that actually prefer to pay through PayPal instead of other means.

It doesn't look like pipelinedata uses authoroizenet gateway (looks like they rolled their own solution).

I would recommend that your first merchant account be with a company that uses the authorizenet gateway because their gateway is the easiest to use and the most widely supported in off the shelf shopping carts (like miva,oscommerce,shopsite,zencart, etc)

It looks like the fees at pipelinedata are good, so if you don't need to support an off the shelf shopping cart, then it might be worth considering.
 

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manufacturer2006 said:
I agree with you all above but most merchants let the transaction enter your account with in 24 hours. But the reason i go against paypal cause they are not fdic certified and have had problems.
Being FDIC insured is not so much of a problem for the type of service they provide. Most merchant account providers have also had their share of problems.

Because you may run into an untrustworthy customer and they will freeze your account if that person lies about anything so if within those 3 days all of your funds are not yours
This is really no different than a standard merchant account. A customer can initiate a chargeback for a LOT of reasons with a standard merchant account and in some cases you won't get the funds back even if you shipped the product to the customer.

I've had untrustworthy customers pay me through PayPal and PayPal hasn't frozen my account, just the funds related to the transaction (happend in December). They have a simple dispute resolution process that allows you to provide proof for the transaction and actually have more safeguards in place to protect the merchants than a lot of merchant account providers. Once the dispute is over, they either give the funds back to the buyer or you get to keep them in your account. I've had both happen.
 

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rabid said:
Another thing to note, you can transfer the money out in 3 days with Paypal. Most merchant accounts only pay out once or twice a month.
Actually, most real merchant accounts pay out within 2-3 days directly to your bank account.

Places like ccnow,worldpay,2checkout only pay out twice a month because they are the true merchant and they have to hold the funds in escrow in case there is a return or dispute. These services are still good ways to get started accepting credit cards if you can wait for the funds. I first started out with just mail order (back in 1996), then I went to CCNOW, then I added PayPal, then as I grew, I applied and got accepted for a regular merchant account (through cardservice intl). I also have a merchant account through another provider that uses the authorizenet gateway (which I prefer over the linkpoint gateway).

But if you get a regular merchant account like from pipelinedata, eonlinedata, linkpoint (cardservice international, etc), you get the funds deposited pretty quickly.

For example, the charges that go through today (Friday) on my linkpoint merchant account will show up in my business checking account on Monday morning.
 
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